Most Expensive HOA Communities in the United States

From Fisher Island in Florida to Beverly Park in California, discover the most exclusive HOA communities in America where fees can exceed $10,000 per month.

Not all HOA communities are created equal. While the national average monthly HOA fee sits around $300, a small tier of ultra-luxury communities commands dues of $5,000, $10,000, or more per month. These are less neighborhoods than private resorts - 24/7 security, concierge staff, private marinas, and golf - and the fees reflect it. Here are the kinds of communities that top the list in 2026 and what all that money actually buys.

Fisher Island, Florida

Reachable only by ferry or private boat, Fisher Island off Miami is routinely ranked among the wealthiest ZIP codes in America. Club and association dues can run well into five figures per month, funding a private beach, a deep-water marina, golf, tennis, a spa, and round-the-clock security on an island most residents reach by their own yacht.

Beverly Park, California

Perched in the hills above Beverly Hills, the double-gated enclave of Beverly Park is home to A-list celebrities and billionaires. Monthly dues cover 24-hour armed patrol, manned gatehouses, and meticulously maintained private roads and landscaping - the price of absolute privacy in Los Angeles.

Full-Service Condo Towers in Manhattan & Miami

Luxury condominium towers in Manhattan, Miami, and other coastal markets can carry common charges of $3,000 to $15,000+ per month for larger units. These fees fund doormen, concierge, valet, fitness centers, and pools - and increasingly the reserve contributions and insurance premiums that have surged for oceanfront buildings since the 2021 Surfside collapse.

What Drives Fees This High

Ultra-luxury dues are dominated by staffing and security, high-end shared amenities like marinas and golf, premium insurance on expensive structures in coastal or wildfire zones, and fully funded reserves for eventual big-ticket replacements. In these communities the HOA fee behaves less like a maintenance charge and more like a private-club membership. You can see how fees compare nationwide on our HOA fee trends page.

Are They Worth It?

For buyers in these markets, the fee is the point - it delivers security, privacy, and a turnkey lifestyle that can't be replicated in a standard neighborhood. But the same due-diligence rules apply at every price point: pull the budget and reserve study, check for pending special assessments, and confirm the insurance situation before you buy. A $10,000 monthly fee deserves the same scrutiny as a $100 one.